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I could not have said it any better!!! Educators will continue to face all the issues discussed at the forum until all the groups you mentioned "step up to the plate" to change the insurance code and eliminate 770.3 . We will continue to educate as many educators as we can but there are too many that are being ripped off with high fees and surrender charges. FIGHT ON!!!!

I agree with Steve's posts...if you are a member of UTLA please respond with your wants and needs for 403b products. I am looking forward to your posts so we can have the BEST 403b plan available for our members. Thanks